Savannah, TN · Cert 31545
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.80% | 0.83% | 0.99% | 0.75% | -11 bps | |
| Return on Equity | 7.75% | 7.17% | 7.51% | 9.21% | 6.89% | -85 bps | |
| Net Interest Margin | 3.62% | 3.61% | 3.59% | 3.76% | 3.83% | +21 bps | |
| Efficiency Ratio | 75.79% | 77.61% | 76.51% | 70.71% | 69.18% | -661 bps | |
| Non-Interest Burden | 2.54% | 2.62% | 2.55% | 2.41% | 2.40% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 5.71% | 13.02% | 17.65% | 10.15% | +760 bps | |
| Loan Growth (YoY) | 11.83% | 14.69% | 21.45% | 22.73% | 24.71% | +1,288 bps | |
| Deposit Growth (YoY) | 1.06% | 5.47% | 13.07% | 18.51% | 10.53% | +947 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.10% | 0.09% | 0.88% | 0.00% | -11 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.04% | -0.04% | 0.62% | +57 bps | |
| Allowance / Loans | 1.22% | 1.15% | 1.07% | 1.04% | 1.00% | -21 bps | |
| Allowance Coverage of NPLs | 10.8x | 11.2x | 11.6x | 1.2x | 1154.0x | +1143.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.65% | 12.55% | 12.39% | 12.11% | 11.95% | -70 bps | |
| Total Risk-Based Capital | 23.48% | 22.90% | 21.99% | 21.33% | 21.04% | -244 bps | |
| Equity / Assets | 11.03% | 11.45% | 11.08% | 10.51% | 10.90% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.37% | 76.37% | 77.54% | 76.15% | 81.65% | +928 bps | |
| Liquid Assets / Assets | 7.03% | 3.60% | 5.85% | 8.17% | 2.75% | -429 bps | |
| CRE / Total Capital | n/a | 155.45% | 173.03% | 202% | n/a | n/a | |